PM Suraksha Bima Yojana PMSBM

प्रधान मंत्री सुरक्षा बीमा योजना (पीएमएसबीवाई) का उद्देश्य मात्र रु. 20 प्रति वर्ष के अत्यंत किफ़ायती प्रीमियम पर वंचित आबादी को कवर करना है. यह योजना 18 से 70 वर्ष की आयु के उन लोगों के लिए उपलब्ध होगी, जिनका अपना बचत बैंक खाता है और जिन्होने 1 जून से 31 मई तक की कवरेज अवधि के लिए 31 मई को या इससे पूर्व वार्षिक नवीनीकरण के लिए खाते को ऑटो-डेबिट करने की सहमति प्रदान की है.

Pradhanmantri Suraksha Bima Yojana 2023

Pradhan Mantri Suraksha Bima Yojana was launched on 8 May 2015 by the Prime Minister of our country Narendra Modi. Through this scheme, insurance coverage is provided in case of an accident. To get the benefit of Pradhan Mantri Suraksha Bima Yojana, the applicant has to pay a premium of ₹ 20 per year. If the life assured dies, in this case, the sum assured is given to the nominee. Apart from this, the insurance amount is also provided in case of permanent disability.

Through this scheme, an insurance amount of ₹ 100000 to ₹ 200000 is provided in case of an accident. The benefit of Suraksha Bima Yojana can be obtained only from the age of 18 years to the age of 70 years. Every year the premium amount is deducted from the bank account before 1st June. To get the benefit of this scheme, it is mandatory to have the facility of auto debit activated on the bank account.

Revision in Premium Rates 

It has been decided by the Central Government to revise the amount of premium under Pradhanmantri Suraksha Bima Yojana. From June 1, 2022, new premium rates will be implemented under this plan. Pradhan Mantri Suraksha Bima Yojana was launched by the government in the year 2015. There was no change in the premium rates of this plan since till now. Under this scheme, the rate of premium has been increased by the government by ₹ 1.25 per day. Now the beneficiaries of this scheme will have to pay a premium of ₹ 20 instead of a premium of ₹ 12. These premium rates have been revised keeping in view the claim experience. By 31 March 2022, the number of active subscribers under this scheme was 22 crores.


Scheme Name Prime Minister’s Security Insurance Scheme
initiated by By Prime Minister Shri Narendra Modi
launch date the year 2015
Beneficiary poor people of the country
purpose providing accident insurance

Enrolment Mode. An account holder can enrol for PMSBY by any of the following methods

  • Visiting the branch
  • Visiting the BC
  • Through bob World Internet (Internet Banking)
  • Individuals who exit the scheme at any point may re-join the scheme in future years by submitting a declaration of good health in the prescribed Performa.

Annual Premium through ‘auto debit’ facility from bank account.

It is desirable to present your claim within 30 days of the accident & claim settlement with 60 days of intimation. The customers already enrolled in these two schemes should maintain sufficient balance in their account as on 31st May, 2018 to avoid discontinuation of insurance coverage.

PM Suraksha Bima Yojana Premium

To get the benefits of Pradhanmantri Suraksha Bima Yojana, a premium of ₹ 12 per year has to be paid by the members. This premium amount will be deducted from the account holder’s savings account on or before June 1 as per the auto debit facility. If the facility of auto debit is not available on 1st June, then in this case the amount of premium will be deducted from the account after the facility of auto debit is made available. The benefit of this scheme will be provided from the first day of the next month in which the insurance cover amount is deducted. The amount of the premium will also be reviewed on the basis of annual claim

Amount to be given in PMSBY

insurance status  sum insured _
death 2 lakh rupees
Total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of one hand or foot 2 lakh rupees
total loss of sight in one eye and loss of use of one hand and foot 1 lakh rupees

Helpline Number 

Through this article, we have provided you with all the important information related to Pradhan Mantri Suraksha Bima Yojana. If you are still facing any kind of problem then you can contact on helpline number to solve your problem. The helpline number is 18001801111/1800110001.

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